HealthyDirect · GrowthFit for a long SIP
WhiteOak Capital Large Cap Fund
WhiteOak Capital Mutual FundEquity Schemes - Large Cap Fund3.9 years
The scheme seeks to provide long-term capital appreciation/income by investing predominantly in and managing a diversified portfolio of Large-Cap stocks.
- NAV
- 15.153
- 29 Oct 2026
- 1Y
- -6.1%
- Trailing CAGR
- AUM
- ₹1,286.88 Cr
- 30 Sept 2026
- Volatility
- Medium
- 12.6% annualized
Buying brief
Should you add this fund?
Evidence on this desk, framed as a purchase checklist - not SEBI-registered advice.
As of 29 Oct 2026
Stance
Fit for a long SIP
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
In three lines
Fits if · The fund beat the category median in 100% of rolling 3-year windows.
Fits if · Three-year return is above the category median.
Buy checklist
History depth
Watch
3.9 years - usable, still building a track record.
Engine status
Pass
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
Expense ratio
Pass
0.92% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -15.2%. Ask whether you can hold through a similar fall.
Vs category
Pass
100% of rolling 3Y windows beat the category median, same plan and option.
Manager tenure
Watch
Ashish Agrawal · 1.8 years on the scheme.
Exit load
n/a
No exit-load summary on file.
Tax / wrapper
Pass
Direct Growth, no ELSS lock flagged. Equity LTCG rules still apply after one year - not tax advice.
Portfolio concentration
Pass
Top 10 holdings ≈ 42.9% of the portfolio.
Evidence supports a shortlist - confirm with peers before you buy elsewhere.
Before you buy or SIP
Behaviour and wrappers - the usual India MF failure modes - not a buy instruction.
Drawdown rehearsal
This scheme’s worst fall on file is about 15%. Before you SIP, ask whether you would keep contributing through a similar drop - pausing on fear is the usual India MF failure mode.
SIP discipline
If you start a SIP here, diary a 90-day check and an annual review - don’t react to every NAV print.
NAV
Path not in current snapshots
n/a
Returns
Trailing CAGR and simulated monthly SIP XIRR from daily NAV. Category comparison uses the median of comparable share classes in the peer set.
Trailing CAGR
Point-to-point, calendar-day annualized
- 1Y-6.1%
- 3Y+13.2%
- 5Yn/a
- 10Yn/a
- SI+11.4%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y-4.7%
- 3Y+3.7%
- 5Yn/a
- 10Yn/a
- Since inception
- +11.4%
- Calendar-day CAGR
- Excess 1Y
- +1.2%
- Category median, same plan and option
- 3Y win rate
- +100%
- Windows beating the median
- 3Y percentile
- 88
- Vs comparable share classes
- SIP 3Y XIRR
- +3.7%
- Simulated monthly SIP
- Worst rolling 3Y
- +11.5%
- 225 daily-ending windows
- Median rolling 3Y
- +15.7%
- Calendar-day CAGR
- Positive rolling 5Y
- n/a
- 0 daily-ending windows
Drawdown
Peak to trough from a running NAV high, with the path and recovery episodes.
- Max drawdown
- -15.2%
- Worst peak-to-trough
- Current
- -7.4%
- Below last peak
- Current spell
- 295 days
- Days below latest peak
- Time below peak
- +87%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 10 days
- 49 recovered episodes
- Longest recovery
- 119 days
- Trough to prior peak
26 Sept 2024 – 27 Jun 2025
Trough 28 Feb 2025 · recovered in 119 days
-15.2%
7 Jan 2026 – open
Trough 30 Mar 2026 · not recovered
-13.9%
5 Dec 2022 – 29 May 2023
Trough 15 Mar 2023 · recovered in 75 days
-10.7%
3 Jun 2024 – 12 Jun 2024
Trough 4 Jun 2024 · recovered in 8 days
-6.7%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
88
Vs category
58
Consistency
100
Risk-adjusted
49
Drawdown
62
Mean
71
Decision
Quantitative engine reasons behind the buying stance. An explanation can only restate what is already here.
Healthy
Buying stance
Fit for a long SIP
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
Why this status
- No material deterioration, cost shock, or persistent category underperformance in the current evidence set.
Supporting reads
- The fund beat the category median in 100% of rolling 3-year windows.
- Three-year return is above the category median.
Portfolio
30 Sept 2026 · 85 holdings · top 10 are 42.9%.
- Top 5
- 27.6%
- Top 10
- 42.9%
- Largest holding
- 9.1%
- Effective holdings
- 35.3
ICICI Bank Ltd
Financial
9.1%
HDFC Bank Ltd
Financial
5.9%
Bharti Airtel Ltd
Technology
5.1%
Nestle India Ltd
Consumer Staples
4.2%
Others CBLO
Unspecified
3.2%
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
Invesco India Large Cap Fund
Invesco Mutual Fund
- 1Y
- -3.1%
- 3Y
- +14.0%
- Vol
- 15.6%
- Max DD
- -36.9%
- Sharpe
- 0.59
- 3Y win
- +73%
- Lower TER
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown
Samco Large Cap Fund
Samco Mutual Fund
- 1Y
- -8.7%
- 3Y
- n/a
- Vol
- 10.7%
- Max DD
- -16.5%
- Sharpe
- -1.19
- 3Y win
- n/a
- Lower volatility
Caveat: Deeper drawdown · Higher TER · Lower trailing returns
Axis Large Cap Fund
Axis Mutual Fund
- 1Y
- -6.7%
- 3Y
- +9.3%
- Vol
- 14.6%
- Max DD
- -30.1%
- Sharpe
- 0.53
- 3Y win
- +44%
- Lower TER
Caveat: Higher volatility · Deeper drawdown · Lower trailing returns
Canara Robeco Large Cap Fund
Canara Robeco Mutual Fund
- 1Y
- -8.6%
- 3Y
- +10.5%
- Vol
- 15.2%
- Max DD
- -32.6%
- Sharpe
- 0.54
- 3Y win
- +60%
- Lower TER
Caveat: Higher volatility · Deeper drawdown · Lower trailing returns
Mirae Asset Large Cap Fund
Mirae Asset Mutual Fund
- 1Y
- -8.6%
- 3Y
- +8.8%
- Vol
- 15.7%
- Max DD
- -37.4%
- Sharpe
- 0.58
- 3Y win
- +65%
- Lower TER
Caveat: Higher volatility · Deeper drawdown · Lower trailing returns